Cheap Car Insurance in Virginia Beach, Va. (2023 Rates)

The best options for car insurance in Virginia Beach, Va., are Erie, State Farm, Travelers, USAA and Geico. These companies have rates that are lower than average for both minimum and full coverage in the city and carry strong customer reputations as well.

Keep reading: Cheap car insurance

Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving history.

Our data shows that the average cost of minimum-coverage car insurance in Virginia Beach is $55 per month or $664 per year. This is about 6% more than the national average of $52 per month or $627 per year. On the other hand, full-coverage insurance costs $148 per month or $1,780 per year on average, which is about 11% less expensive than the national average of $167 per month or $2,008 per year for full coverage.

Cheapest Liability Car Insurance in Virginia Beach

Erie offers the cheapest liability insurance with average rates of $37 per month or $439 per year. State Farm is the second-cheapest option in Virginia Beach with average rates of $38 per month or $450 per year.

Car insurance isn’t required for Virginia drivers, but those who opt out of liability coverage must pay a $500 fee each year. Owners who purchase auto insurance are required to meet the following minimum requirements set out by the Virginia Department of Motor Vehicles:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $20,000 property damage liability per accident
• $30,000 underinsured/uninsured motorist bodily injury coverage per person
• $60,000 underinsured/uninsured motorist bodily injury coverage per accident
• $20,000 underinsured/uninsured motorist property damage coverage per accident

While uninsured motorist coverage is optional in states like California and Florida, it’s required under Virginia law. This rule only applies to drivers who opt to pick up insurance coverage.

Cheapest Full-Coverage Car Insurance in Virginia Beach

A full-coverage car insurance policy can be pricey in Virginia Beach. Full coverage includes liability plus comprehensive coverage and collision coverage, which protect against damage to your vehicle in a variety of situations. Virginia Farm Bureau is the cheapest full-coverage option with average rates of $98 per month or $1,176 per year.

Several factors impact car insurance rates, so the company that offers low rates to one driver may be a poor choice for someone else. In this section, we’ll examine the cost of car insurance in Virginia Beach based on a driver’s age, credit score and driving record. Since Virginia Beach has many ZIP codes with varying average insurance costs, we’ll consider those too.

A few easy ways for policyholders to save on car insurance are by increasing their deductibles and by comparing quotes from auto insurance agencies in Virginia Beach and nearby cities like Norfolk and Chesapeake. You can also find the best rates by bundling car insurance coverage with life insurance, renters insurance and homeowners insurance.

Virginia Beach Car Insurance Cost by Age

Car insurance is pricier for teenagers because they have a higher likelihood of getting into accidents or breaking traffic laws. Our data shows that 16-year-olds pay about $222 per month or $2,666 per year for car insurance in Virginia Beach.

As drivers get older, the cost of car insurance gets cheaper. Here are the average minimum-coverage car insurance costs in Virginia Beach for different age groups.

Cheapest Car Insurance in Virginia Beach: Teen Drivers

Car insurance for teens is expensive, but some insurance providers tend to be more affordable than others. Our data shows that Erie is the cheapest car insurance company for teen drivers with minimum-coverage rates as low as $106 per month or $1,275 per year. Travelers, Geico and Virginia Farm Bureau also offer affordable premiums to Virginia Beach teens.

Virginia Beach Car Insurance Cost by Credit Score

Car insurance companies in Virginia Beach are allowed to use credit scores to decide how much people should pay for coverage. If someone has a low credit score, they’ll pay more for car insurance than those with higher credit scores.

Cheapest Car Insurance in Virginia Beach: Poor Credit

Our rate data shows that Geico is the cheapest option for car insurance with bad credit in Virginia Beach. The company offers minimum-coverage policies to drivers with poor credit for rates of $59 per month or $703 per year. This is 6% more than the overall state average for minimum coverage with good credit.

Virginia Beach Car Insurance Cost by Driving Record

If you have speeding tickets, car accidents or DUIs on your driving record, expect car insurance prices to increase considerably. On average, speeding can increase your rates by 22%, an at-fault accident by 51% and a DUI by 85%.

Each insurance company sets a different average price increase. According to our research, if you have any driving violations on your record, State Farm is the company to consider in Virginia Beach. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.

Keep reading: Insurance rates for high-risk drivers

Cheapest Car Insurance in Virginia Beach: Speeding Ticket

Let’s analyze prices for risky drivers in more detail. According to our data, State Farm offers the cheapest auto insurance rates to drivers who have a speeding ticket on their records — $41 per month or $490 per year. Erie follows close behind with an average monthly rate of $42, while Auto-Owners, Travelers and Geico round out the top five options for cheap speeding ticket car insurance in Virginia Beach.

Cheapest Car Insurance in Virginia Beach: At-Fault Accident

If you were responsible for a car accident in the past, insurance rates could go up more than if you got a speeding ticket. Auto-Owners and Erie are the cheapest options here with average rates of about $41 per month and $42 per month, respectively.

Cheapest Car Insurance in Virginia Beach: DUI

Getting a DUI is a huge offense that could make your car insurance rates in Virginia Beach go up by hundreds of dollars every year. State Farm is very cheap compared to other auto insurance companies, with average rates of $41 per month or $490 per year for drivers with a DUI. Virginia Farm Bureau, Travelers and Erie are also good options with rates under $66 per month on average.

Virginia Beach Car Insurance Cost by ZIP Code

Rates of insurance claims differ throughout Virginia Beach, impacting the cost of your insurance coverage. Below, you’ll see that certain ZIP codes can be up to 0.9% cheaper or more expensive than the city average.

While auto coverage in Virginia Beach is 22% higher than the norm for Virginia and 6% more than the national average, there are still cheap providers to shop from. Erie offers the cheapest minimum coverage in the city at about $37 per month. Virginia Farm Bureau also offers reasonable full-coverage rates to Virginia Beach drivers at $98 per month.

Compare free quotes to find the company that meets your Virginia car insurance needs at the best rate. You can compare insurance products and get quotes online or from insurance agents.

Here are some frequently asked questions about the cheapest auto insurance in Virginia Beach:

*Cost data comes from Quadrant Information Services and is accurate at time of publication.